UNIONBANK2018-10-012018-12-31in-bse-fin:OneOperatingExpenses01Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourOperatingExpenses01Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentRevenue01Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentRevenue02Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentRevenue03Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentRevenue04Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentRevenue05Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentRevenue01Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentRevenue02Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentRevenue03Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentRevenue04Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentRevenue05Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentResults01Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentResults02Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentResults03Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentResults04Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentResults05Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentResults01Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentResults02Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentResults03Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentResults04Member UNIONBANK2018-10-012018-12-31in-bse-fin:FourReportableSegmentResults05Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentAssets01Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentAssets02Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentAssets03Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentAssets04Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentAssets05Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentLiabilities01Member UNIONBANK2018-12-31in-bse-fin:OneReportableSegmentLiabilities01Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentLiabilities02Member UNIONBANK2018-12-31in-bse-fin:OneReportableSegmentLiabilities02Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentLiabilities03Member UNIONBANK2018-12-31in-bse-fin:OneReportableSegmentLiabilities03Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentLiabilities04Member UNIONBANK2018-12-31in-bse-fin:OneReportableSegmentLiabilities04Member UNIONBANK2018-10-012018-12-31in-bse-fin:OneReportableSegmentLiabilities05Member UNIONBANK2018-12-31in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares UNIONBANK Union Bank of India 2018-04-01 2019-03-31 INR Third quarter 2018-12-31 Unaudited Standalone 59746600000.00 22189100000.00 2641400000.00 198200000.00 84775300000.00 10950500000.00 95725800000.00 59833600000.00 8041800000.00 10346700000.00 18388500000.00 78222100000.00 17503700000.00 16171200000.00 0.00 1332500000.00 -199600000.00 1532100000.00 0.00 1532100000.00 1532100000.00 11685700000.00 10.00 0.6743 0.075 0.0152 1.31 1.31 1.31 1.31 497133400000.00 241416400000.00 0.1566 0.0827 0.0012 1.The above financial results for the quarter/nine months ended 31st December, 2018 are arrived at by applying the same accounting policies as those followed in the preceding financial year ended 31st March 2018. These financial results have been reviewed by Audit Committee of the Board and taken on record by the Board of Directors at their meeting held on 21st January, 2019. The same has been subjected to limited review by the Statutory Central Auditors of the Bank in line with the guidelines issued by the Reserve Bank of India and as per the SEBI (LODR) Regulations, 2015. n2.The working results of the Bank for the quarter/nine months ended 31st December, 2018 have been arrived at after considering the provisions on Non-Performing Assets, Standard Assets, Restructured Assets, Standard Derivative Exposures, Provision for Exposure to Entities with Un-Hedged Foreign Currency Exposure, Additional provision on standard advances under stressed sector, MSME borrowers, Non Performing Investments and Investment Depreciation on the basis of extant guidelines issued by the Reserve Bank of India. n3.Provision for employee benefits and other usual necessary provisions including income tax have been made on estimated basis. Expenses are estimated & provided on a proportionate basis and are subject to adjustment at the end of the financial year. n4. In terms of RBI circular dtd. 15th January, 2014 and 3rd June, 2014, based on available data, financial statements and the declaration from the borrowers wherever received, the Bank has estimated liability of Rs. 16.50 crore towards Unhedged Foreign Currency Exposure (UFCE) to their constituents and holds the provision for the said amount as on 31st December, 2018. During the quarter, there is a reduction of Rs. 6.57 crore. n5.In terms of RBI circular dated 1st July, 2015, banks are required to make Pillar 3 disclosures under Basel III capital regulations. These details are made available on Bank’s website with link: http://www.unionbankofindia.co.in/Basel_Disclosures_III.aspx. These disclosures are not subjected to limited review by the Statutory Auditors. n6.The Bank has not availed the RBI dispensations of spreading the mark to market losses on AFS and HFT categories of investments and additional gratuity liability by providing the full amount in the respective quarter itself. n7.RBI Circular dated 1st April, 2015 and 18th April, 2016 granted an option to spread provision in respect of frauds. The Bank, however, has fully provided for the amount classified as fraud during the quarter. n8.Pursuant to the proposed bipartite agreement on wage revision (due with effect from November 2017), a sum of Rs. 60 Crore has been provided during the quarter towards wage revision on an estimated basis. (cumulative provision; Rs. 280 Crore). n9.The Bank has recognised net Deferred Tax Assets of Rs. 481.83 Crore during the quarter (quarter ended 31st December, 2017 Rs. 565.91 Crore) and of Rs. 1355.52 Crore during the nine month ended 31st December, 2018 (nine months ended 31st December, 2017 Rs. 1250.40 Crore) on timing differences in accordance with Accounting Standard-22 on “Accounting for Taxes on Income” issued by the Institute of Chartered Accountants of India and the guidelines issued by the Reserve Bank of India. n10.Provision coverage ratio of the Bank as at 31st December, 2018 is 58.84%. (as at 30th September, 2018, 57.66%). n11.Disclosure about investor complaints for the quarter ended 31st December, 2018: Complaints at the beginning of the quarter: 1; Received during the quarter: 86; Disposed off during the quarter: 87 and Pending as on 31st December, 2018: NIL n12.Figures of previous period have been rearranged/reclassified/regrouped wherever necessary. 2018-12-31 Unaudited Standalone 178934000000.00 69509700000.00 8077800000.00 650100000.00 257171600000.00 32024400000.00 289196000000.00 181037500000.00 23498600000.00 28549600000.00 52048200000.00 233085700000.00 56110300000.00 55017400000.00 0.00 1092900000.00 -3124900000.00 4217800000.00 0.00 4217800000.00 4217800000.00 11685700000.00 10.00 0.6743 0.075 0.0152 3.61 3.61 3.61 3.61 497133400000.00 241416400000.00 0.1566 0.0827 0.0011 OTHERS 10346700000.00 OTHERS 28549600000.00 CORPORATE/WHOLESALE BANKING 39282200000.00 OTHER BANKING OPERATIONS 1759900000.00 RETAIL BANKING OPERATIONS 27794500000.00 TREASURY OPERATIONS 27518800000.00 UNALLOCATED 0.00 CORPORATE/WHOLESALE BANKING 116541400000.00 OTHER BANKING OPERATIONS 4715400000.00 RETAIL BANKING OPERATIONS 82978100000.00 TREASURY OPERATIONS 86421000000.00 UNALLOCATED 525100000.00 96355400000.00 291181000000.00 629600000.00 1985000000.00 95725800000.00 289196000000.00 CORPORATE/WHOLESALE BANKING -14340600000.00 OTHER BANKING OPERATIONS 867100000.00 RETAIL BANKING OPERATIONS 2879600000.00 TREASURY OPERATIONS 11926400000.00 UNALLOCATED 0.00 CORPORATE/WHOLESALE BANKING -31152100000.00 OTHER BANKING OPERATIONS 2445800000.00 RETAIL BANKING OPERATIONS 9311000000.00 TREASURY OPERATIONS 19963000000.00 UNALLOCATED 525100000.00 1332500000.00 1092800000.00 0.00 0.00 0.00 0.00 1332500000.00 1092800000.00 CORPORATE/WHOLESALE BANKING 1788908500000.00 OTHER BANKING OPERATIONS 0.00 RETAIL BANKING OPERATIONS 1233165800000.00 TREASURY OPERATIONS 1623595200000.00 UNALLOCATED 0.00 4645669500000.00 106405800000.00 4752075300000.00 CORPORATE/WHOLESALE BANKING 1726707300000.00 OTHER BANKING OPERATIONS 0.00 RETAIL BANKING OPERATIONS 1190288100000.00 TREASURY OPERATIONS 1559101300000.00 UNALLOCATED 0.00 4476096700000.00 20392300000.00 4496489000000.00